Life, Investment & Protection
A smarter way to protect your family, grow your wealth, and fund the life you actually want to retire into.
A smarter way to protect your family, grow your wealth, and fund the life you actually want to retire into.
The Halo Plan is a life cover and investment plan with no commissions, no surrender charges, and no hidden costs. The only way we get paid is a small annual fee on your plan's investment value — the same way a wealth manager charges, but available to everyone. And unlike a wealth manager, you can reduce that fee just by taking care of yourself.
Most life cover products pay the advisor a commission upfront — which comes straight out of your savings for years before you see any real growth. The Halo Plan charges a single transparent annual fee starting at 1.25%, and nothing else. Every dollar you put in works for you from day one.
Answer 30 questions across lifestyle, biomarkers, and family history. Your longevity score determines your AUM discount — a higher score means a lower fee, applied immediately to your policy for the next 12 months.
Receive monthly evidence-based health insights tailored to your profile. Check in each quarter to keep your discount active — as your health improves, your AUM fee keeps falling.
Your discounted fee is contingent on completing a short quarterly health check-in — it takes about a minute, and your score is recalculated each time. Miss one and the fee reverts to the standard rate until your next check-in. Opting in to healthy nudges unlocks an additional +5 longevity points.
Most financial products do one thing. Halo does five — and the combination is what makes it a tool that's historically only been accessible to the genuinely wealthy. Until now.
Your family is protected from day one. A meaningful, portable death benefit that doesn't expire when you change jobs, age out of group cover, or your health changes.
Accelerated benefit riders let you access a portion of your death benefit early — tax-free — if you're diagnosed with a qualifying critical illness. Your policy pays while you're still alive to need it.
Your premiums grow in market sub-accounts — equities, bonds, or blended — with gains deferred from income tax. Withdrawals via policy loans are tax-free. It's an ISA and investment account rolled into one wrapper, without the annual limit.
Policy loans can fund residential care, in-home support, or assisted living — without triggering a taxable event. You draw on wealth you've already built, not savings you'll scramble to find at 80.
Private banks and family offices have used this exact type of plan for decades to grow wealth tax-free, fund family succession, and pass assets to the next generation. It's always required a net worth in the millions to access. The Halo Plan opens the same structure to anyone — with no minimum investment, no commission, and no financial advisor required.
Traditional underwriting relies on five or six variables. Halo's model draws on three decades of longitudinal mortality research to give you a truer picture.
Score is based on self-reported data and is used solely to determine your AUM fee tier. It does not affect underwriting or policy pricing.
| Yr | Age | Phase | Annual Investment | Cum. Premium | Guaranteed Cash Value (0%) | Cash Value | What You Leave Behind | COI Charge | Cum. COI | Admin Fee | AUM Charge | Total Charges | Inv. Gains | Net Return |
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